The study looked at how the value of money changes during the day using data from the Swiss financial market. They found that there is an hourly interest rate for borrowing money during the day. The value of money increases during certain hours when a foreign exchange system is active. The amount of money being exchanged and the availability of money in the market affect how much it costs to borrow money immediately. Different ways of managing money during the day can lead to different costs for borrowing money.